fee is normally paid upfront when BT approved. your calculation is correct, total you need to pay 2066

however, if i am not mistaken (i can't be sure), the RM 66 fee is charged on the 1st month

so most likely will be

1st month = 333 + 66
2nd month -> 6th month = 333

##########

zero fee with monthly interest i think different bank have different method

some bank charge the 0.499 on how much balance you owe. some charge 0.499 of the initial BT amount irrespective how much you have paid back.
But most go for the 2nd method

better ask the bank to get correct info

i mean majority of the bank (not ppl) will use the 2nd method for calculating interest charge

most of us go for zero interest, zero fee 

for BT, persoanlly i use PBB, BSN

since you first touch BT, let me give you a friendly reminder

BT can save you lots of money BUT if you don't use it properly, you will get burned even more than you don't do BT at all

what i mean is if you do bt, you would have extra cash in hand. Good in the sense if you put in FD or your flexi home loan account. will earn / save you lots of interest

however, once you do this bt over and over again (yes, you can BT from Bank A to B, then next month B to A, repeat...), you will have lots of "cash". These cash will tempt a lot of people to spend (instead of save)

At the end of the day you would have to pay the BT with your own cash (you can't BT forever, there is a limit). So, if you spend instead of saving the BT money, you would have no cash left to pay them, and now they will charge you standard credit card finance fee (12% to 18% PA).

This is when your nightmare starts

Of course, if you have confidence to clear your cc debt on time all the time, then this is no issue

well, if you don't do BT, you would have to fork out your own cash to pay Bank A, right?

hsbc got bt but i didn't put it in yet (don't know why  )

so far my personal experience, you can't do bt over phone. fax definitely can. some banks can accept scanned and email

1 to 3 weeks depend on bank

For you info, Maybank BT also charge 3% up front, but is 0% for 12 month ....haha
which one is good?

since when mbb is giving 0% bt?

I have go through MBB BT, any different between interest charge & upfront fee? I mean which one will be select when do the BT, people sure will go to interest charge instead of upfront fee since upfront fee is higher % than interest charge.

Interest charge may useful for the amount is lesser, and upfront fee may useful for quite lot amount need to be BT, is this make sense??

May I know the branch in 1u can process for BT??

My 2nd Balance Transfer to AEON CC (from Maybankard 2 AMEX)

Submission : 17 Sep 2013, 8:52AM
Verification Call : 17 Sep 2013, 12:37PM (via UNKNOWN caller id)
Approval :
Payment :

Maybe because it's my second time to do BT with AEON... maybe first time takes much longer.
Not sure if you can process BT at the same time as CC application.... go over and ask.

Did AEON pay via GIRO or Cheque ?

i have to admit, CIMB BT is the Best. From submitting the form by Fax and money to appear in acc just only 3 working days! Amazing.

Unlike SCB, apply to tele recorded and requires 10 working days which is almost 12 days for the money goes through. End up i have to clear those due payment first for healthy CCRIS

pls note that there is a general rule of thumb, u can't BT more than 80% of your available credit balance

what i normally do is b4 i do BT, i call the bank first to confirm the max i can BT

if you try to BT more than the amount you are allowed + they don't inform you your BT rejected (i kena b4), i end up paying for late charges because i thought it is settled but actually not

AEON BT user .. can you confirm if AEON create a separate BT  account for each of the 0% BT application ?

i read from product disclosure sheet .. early settlement will not have any penalty fee

Early Settlement Fee
AEON Credit shall be entitled to debit from the cardmember’s account as per following:
NOTE: No penalty for early settlement of 0% Balance Transfer.